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Credito Emiliano S.p.A. (CE.MI)
Reggio Emilia, RE, IT
Credito Emiliano S.p.A., a division of Credito Emiliano Holding S.p.A., delivers a wide array of banking and financial services to both individual and business clients, predominantly within Italy. Its operations are organized into distinct areas, including Commercial Banking, Asset Management, Bancassurance, Trading, and ALM Treasury. The institution offers a comprehensive suite of deposit products, such as checking and savings accounts, time deposits, certificates of deposit, and various bonds, alongside a robust lending portfolio featuring mortgages, credit cards, and personal or salary-backed loans. Credito Emiliano also provides sophisticated wealth management solutions, encompassing mutual funds, SICAVs, portfolio management, and investments in private equity and hedge funds. Beyond core banking, its service offerings extend to asset management, bancassurance, fiduciary services, remote banking, savings management, brokerage, financial leasing, factoring, and insurance. Furthermore, the company notably engages in cheese warehousing, real estate management, and software development. Established in 1910, with its headquarters in Reggio Emilia, Italy, the bank boasted an extensive network of 625 branches, business centers, and financial outlets spanning 20 regions as of December 31, 2021.
No mergers or acquisitions recorded for this company.
| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| -0.95% | -1.89% | -0.26% | +0.91% | +7.00% | +1.56% | +24.40% | +118.18% | +186.76% | +166.21% | +504.65% |
Revenue flow
Revenue by geography
Revenue by segment
Revenue composition
By product
By geography
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.
| Rating | 2026-05 | Change |
|---|---|---|
| Strong Buy | 0 | 0 |
| Buy | 2 | 0 |
| Hold | 4 | 0 |
| Sell | 0 | 0 |
| Strong Sell | 1 | 0 |
-
Revenue growth-3.4% Q1'26: -2.5% (vs Q1'25)
-
EPS growth+0.6% Q1'26: -38.8% (vs Q1'25)
-
FCF margin— Q1'26: -152.5% (vs Q1'25)
-
EBIT margin— Q1'26: +28.7% (vs Q1'25)
-
ROIC— Q1'26: +4.8% (vs Q1'25)
-
Share dilution+0.3% Q1'26: +0.2% (vs Q1'25)
-
Debt / EBITDA— Q1'26: 9.41× (vs Q1'25)
* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.
| Metric |
Dec 2015 actual |
Dec 2016 actual |
Dec 2017 actual |
Dec 2018 actual |
Dec 2019 actual |
Dec 2020 actual |
Dec 2021 actual |
Dec 2022 actual |
Dec 2023 actual |
Dec 2024 actual |
Dec 2025 actual |
Dec 2026 3 Rev. Ana. 4 EPS Ana. |
Dec 2027 5 Rev. Ana. 6 EPS Ana. |
Dec 2028 3 Rev. Ana. 5 EPS Ana. |
Dec 2029 2 Rev. Ana. 1 EPS Ana. |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue |
1.40B
est: 1.14B (+23.4%)
|
1.34B
est: 1.08B (+24.2%)
|
1.36B
est: 1.15B (+17.7%)
|
1.38B
est: 1.17B (+18.0%)
|
1.43B
est: 1.21B (+18.4%)
|
1.38B
est: 1.21B (+14.7%)
|
1.58B
est: 1.31B (+20.2%)
|
1.76B
est: 1.44B (+22.5%)
|
2.79B
est: 1.89B (+47.3%)
|
3.06B
est: 1.98B (+54.2%)
|
2.95B
est: 1.88B (+57.1%)
|
1.92B
1.92B – 1.94B
+2.4% YoY
|
1.99B
1.96B – 2.04B
+3.6% YoY
|
2.07B
2.05B – 2.08B
+3.5% YoY
|
2.05B
2.03B – 2.08B
-0.8% YoY
|
| EBITDA |
280.00M
est: 364.59M (-23.2%)
|
257.44M
est: 346.86M (-25.8%)
|
325.81M
est: 369.15M (-11.7%)
|
327.63M
est: 374.46M (-12.5%)
|
382.07M
est: 388.45M (-1.6%)
|
342.43M
est: 386.55M (-11.4%)
|
563.41M
est: 420.18M (+34.1%)
|
577.15M
est: 460.34M (+25.4%)
|
934.53M
est: 629.33M (+48.5%)
|
1.02B
est: 659.03M (+55.2%)
|
906.74M
est: 625.29M (+45.0%)
|
640.13M
637.51M – 644.34M
+2.4% YoY
|
663.46M
652.46M – 680.15M
+3.6% YoY
|
686.96M
683.35M – 690.57M
+3.5% YoY
|
681.63M
674.52M – 692.55M
-0.8% YoY
|
| EBIT |
239.19M
est: 305.33M (-21.7%)
|
208.54M
est: 290.48M (-28.2%)
|
271.88M
est: 309.15M (-12.1%)
|
270.41M
est: 313.60M (-13.8%)
|
296.39M
est: 325.32M (-8.9%)
|
252.53M
est: 323.72M (-22.0%)
|
466.18M
est: 351.89M (+32.5%)
|
475.19M
est: 385.52M (+23.3%)
|
825.14M
est: 549.52M (+50.2%)
|
911.09M
est: 575.45M (+58.3%)
|
859.72M
est: 545.99M (+57.5%)
|
558.95M
556.66M – 562.62M
+2.4% YoY
|
579.32M
569.72M – 593.89M
+3.6% YoY
|
599.84M
596.69M – 602.99M
+3.5% YoY
|
595.19M
588.97M – 604.72M
-0.8% YoY
|
| Net Income |
166.17M
est: 176.76M (-6.0%)
|
131.95M
est: 143.98M (-8.4%)
|
186.50M
est: 192.56M (-3.2%)
|
186.66M
est: 197.81M (-5.6%)
|
201.31M
est: 198.36M (+1.5%)
|
201.60M
est: 170.29M (+18.4%)
|
352.43M
est: 261.92M (+34.6%)
|
326.12M
est: 298.62M (+9.2%)
|
562.12M
est: 587.18M (-4.3%)
|
620.05M
est: 595.73M (+4.1%)
|
621.47M
est: 517.25M (+20.1%)
|
499.00M
492.22M – 506.03M
-3.5% YoY
|
534.26M
504.59M – 537.33M
+7.1% YoY
|
557.93M
524.85M – 571.62M
+4.4% YoY
|
546.52M
539.10M – 557.90M
-2.0% YoY
|
| SGA |
190.67M
est: 131.42M (+45.1%)
|
212.48M
est: 125.03M (+69.9%)
|
188.21M
est: 133.06M (+41.4%)
|
207.87M
est: 134.98M (+54.0%)
|
213.85M
est: 140.02M (+52.7%)
|
185.51M
est: 139.33M (+33.1%)
|
211.50M
est: 151.46M (+39.6%)
|
237.93M
est: 165.93M (+43.4%)
|
245.35M
est: 247.54M (-0.9%)
|
263.65M
est: 259.23M (+1.7%)
|
620.86M
est: 245.95M (+152.4%)
|
251.79M
250.76M – 253.45M
+2.4% YoY
|
260.97M
256.64M – 267.53M
+3.6% YoY
|
270.21M
268.79M – 271.63M
+3.5% YoY
|
268.11M
265.32M – 272.41M
-0.8% YoY
|
| EPS |
0.50
est: 0.52 (-3.7%)
|
0.40
est: 0.42 (-5.5%)
|
0.56
est: 0.57 (-1.0%)
|
0.56
est: 0.58 (-3.7%)
|
0.61
est: 0.58 (+4.7%)
|
0.61
est: 0.50 (+21.9%)
|
1.05
est: 0.77 (+36.4%)
|
0.96
est: 0.88 (+9.4%)
|
1.65
est: 1.72 (-4.3%)
|
1.82
est: 1.74 (+4.7%)
|
1.83
est: 1.50 (+22.3%)
|
1.46
1.44 – 1.48
-2.3% YoY
|
1.53
1.48 – 1.57
+4.9% YoY
|
1.63
1.54 – 1.67
+6.2% YoY
|
1.60
1.58 – 1.63
-1.6% YoY
|
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-07 | B+ | 3/5 | 5/5 | 4/5 | 3/5 | 1/5 | 3/5 | 3/5 |
| 2026-05-06 | B+ | 3/5 | 5/5 | 4/5 | 3/5 | 1/5 | 3/5 | 3/5 |
| 2026-05-05 | B+ | 3/5 | 5/5 | 4/5 | 3/5 | 1/5 | 3/5 | 3/5 |
| 2026-05-04 | B+ | 3/5 | 5/5 | 4/5 | 3/5 | 1/5 | 3/5 | 3/5 |
| 2026-04-30 | A- | 4/5 | 5/5 | 4/5 | 4/5 | 1/5 | 4/5 | 3/5 |
| 2026-04-29 | A- | 4/5 | 5/5 | 4/5 | 4/5 | 1/5 | 4/5 | 3/5 |
| 2026-04-28 | A- | 4/5 | 5/5 | 4/5 | 4/5 | 1/5 | 4/5 | 3/5 |
| 2026-04-27 | A- | 4/5 | 5/5 | 4/5 | 4/5 | 1/5 | 4/5 | 3/5 |
| 2026-04-24 | A- | 4/5 | 5/5 | 4/5 | 4/5 | 1/5 | 4/5 | 3/5 |
| 2026-04-23 | A- | 4/5 | 5/5 | 4/5 | 4/5 | 1/5 | 4/5 | 3/5 |
| 2026-04-22 | A- | 4/5 | 5/5 | 4/5 | 4/5 | 1/5 | 4/5 | 3/5 |
| 2026-04-21 | A- | 4/5 | 5/5 | 4/5 | 4/5 | 1/5 | 4/5 | 3/5 |
| 2026-04-20 | A- | 4/5 | 5/5 | 4/5 | 4/5 | 1/5 | 4/5 | 3/5 |
| 2026-04-17 | A- | 4/5 | 5/5 | 4/5 | 4/5 | 1/5 | 4/5 | 3/5 |
| 2026-04-16 | A- | 4/5 | 5/5 | 4/5 | 4/5 | 1/5 | 4/5 | 3/5 |
Owner Earnings
Ownership Overview
Ownership breakdown not available.
No beneficial ownership filings recorded.
Institutional Activity (13F)
Institutional history not available.
Top holders not available.
ETF Ownership
| # | ETF | Weight | Est. AUM exposure | TER |
|---|---|---|---|---|
| 1 | Amundi MSCI EMU Small Cap ESG Broad Transition UCITS ETF Dist MMS.PA | 0.27% | 1.91M | 0.40% |
| 2 | UBS MSCI EMU Small Cap UCITS ETF EUR dis UEFD.DE | 0.24% | 1.79M | 0.33% |
| 3 | iShares MSCI EMU Small Cap UCITS ETF CES1.L | 0.24% | 2.53M | 0.58% |
| 4 | iShares International Developed Small Cap Value Factor ETF ISVL | 0.22% | 688.5K | 0.31% |
| 5 | Amundi MSCI Europe Small Cap ESG Broad Transition UCITS ETF Dist X026.DE | 0.21% | 716.7K | 0.23% |
| 6 | Amundi MSCI Europe Small Cap ESG Broad Transition UCITS ETF Acc CEM.PA | 0.21% | 716.7K | 0.23% |
| 7 | Dimensional - International Small Cap Value ETF DISV | 0.17% | 8.26M | 0.42% |
| 8 | State Street SPDR MSCI Europe Small Cap Value Weighted UCITS ETF EUR Acc ZPRX.DE | 0.15% | 1.19M | 0.30% |
| 9 | iShares MSCI Europe Small-Cap ETF IEUS | 0.10% | 167.1K | 0.41% |
| 10 | Xtrackers MSCI Europe Small Cap UCITS ETF 1C XXSC.L | 0.09% | 3.22M | 0.30% |
Insider Activity
No insider activity available.
Insider history not available.
No recent insider transactions.
Executive team
Executive compensation
Executive compensation not available.
No CEO compensation history available.
Proxy statements
No proxy statements available for this company yet.
Recent SEC filings
No SEC filings available for this company yet.
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| Stefano Morellini | General Manager | 428.5K | male |
| Daniele Morlini | Head of IR | — | male |
| Giuliano Cassinadri | Deputy General Manager | — | male |
| Ottorino Righetti | Secretary | — | — |
| Stefano Pilastri | Co-Managing Director | — | male |
No data available for this company.
No Senate trading activity found for this company.
No House trading activity found for this company.
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Community Opinion for CE.MI
Short-term intention
Target Price Distribution
These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.
